|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Lakeshore Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 12, 2026
Lakeshore Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its 12 MO IRA CD, 0.10% APY on savings, 1.51% APY on money market accounts, personal loans from 7.99% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Lakeshore Federal Credit Union CD rates include 12 Month CD at 3.75%, 18 MO IRA CD at 3.55%, and 18 Month CD at 3.55%. MonitorBankRates evaluates the financial stability of Lakeshore Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Rates last updated and verified on 10/12/2026. Lakeshore Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lakeshore Federal Credit Union? Share your experience about Lakeshore Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lakeshore Federal Credit Union. Lakeshore Federal Credit Union
Lakeshore Federal Credit Union 2182 Lakeshore Dr
https://www.lakeshorefcu.com Muskegon, MI 49441-1414  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Lakeshore Federal Credit Union CD Rates
Lakeshore Federal Credit Union Savings Rates
Lakeshore Federal Credit Union Money Market Rates
Lakeshore Federal Credit Union Home Equity & HELOC
Lakeshore Federal Credit Union Auto Loan Rates
Lakeshore Federal Credit Union RV, Boat and Powersport Loan Rates
Lakeshore Federal Credit Union Credit Card Rates
Lakeshore Federal Credit Union Personal Loan Rates
Financial Health HistoryLakeshore Federal Credit Union’s Texas Ratio stayed near 0.29% in Q3 2023 to 0.10% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lakeshore Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Lakeshore Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Lakeshore Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lakeshore Federal Credit Union
Website
https://www.lakeshorefcu.com
Address
2182 Lakeshore Dr,
Muskegon, MI 49441-1414
Phone
231-755-1202
Fax
231-755-0539
President
Faisel Abdelkader
CEO
Jackie Knowlton
Full-Time Employees
6
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.10%
Return on Assets (ROA)
0.2560%
Return on Equity (ROE)
2.1568%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
45,207,983
Total Amount of Shares and Deposits
39,922,402
Total Shares and Deposits < 1 Year
39,391,634
Total Shares and Deposits 1 3 Years
475,333
Total Shares and Deposits > 3 Years
55,434
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,986,647
Total Uninsured Shares and Deposits > $250K (F+J)
1,986,647
Total Insured Shares and Deposits > $250K (item 17 less item K)
37,935,755
Total Interest Expense (Sum of items 6 8)
284,915
Share Certificates
314
Number of Accounts for Share Drafts
1,590
IRA KEOGH Accounts
36
Number of Accounts for Regular Shares
3,058
All other shares
46
Money Market Shares
222
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,878,036
Total Liabilities
40,001,089
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Lakeshore Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Lakeshore Federal Credit Union
Frequently Asked Questions About Lakeshore Federal Credit UnionHow many branches does Lakeshore Federal Credit Union operate?Lakeshore Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Lakeshore Federal Credit Union?Yes, to access services at Lakeshore Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Lakeshore Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Lakeshore Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lakeshore Federal Credit Union offer online and mobile banking?Most modern institutions like Lakeshore Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakeshorefcu.com. Current Lakeshore Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Oregon State Credit Union
AVH Federal Credit Union
Fort Dix Federal Credit Union
Southern Federal Credit Union
Community One Credit Union Of Ohio
Heartland Credit Union Hutchinson, KS
Mississippi Public Employees Credit Union
The Health And Education Federal Credit Union
Arkansas Health Center Federal Credit Union
County City Credit Union
Harvester Financial Credit Union
University Credit Union Miami, FL
Members First Credit Union of Florida
Rockland Employees Federal Credit Union
Macon Bibb Employees Credit Union
Alpine Community Credit Union
The District Federal Credit Union
Your Legacy Federal Credit Union
Royal Credit Union
Mount Pleasant Baptist Church Federal Credit Union
Bradford Area Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking